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Fixed Indexed Annuity

Nassau Income Accelerator

Nassau Life

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3%

Best S&P 500 Annual Cap

10%

Free W/D

48

Jurisdictions

Product data status: July 4, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Nassau Income Accelerator would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$165,285
Est. value at age 80 (Nassau Income Accelerator)
3%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 3% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Nassau Income Accelerator's published cap rate (3% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 4, 2026.

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See how Nassau Income Accelerator compares for your age, state, premium, and income goals alongside other Nassau Life fixed indexed annuity options.

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Live rate data

Run live numbers for Nassau Income Accelerator

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Nassau Life product.

Live product data

Rates as of July 4, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap rate

3% cap on S&P 500

A nine-year-surrender fixed indexed annuity from Nassau Life marketed under an income-suggestive name but configured as accumulation — no optional GLWB rider and no built-in Protected Income Value income chassis on the live feed — with crediting across the S&P 500, Nasdaq-100, and Sunrise Adjustment participation designs, an annual free-withdrawal allowance, three surrender-charge waivers, and a B-grade A.M. Best carrier rating; not available in New York, Maryland, or Maine.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers comfortable taking a fixed indexed annuity as accumulation-only and treating annuitization as the contractual path to lifetime income rather than a separate GLWB rider, who want crediting choice across an S&P cap and higher-participation alternatives, accept a B-grade A.M. Best carrier rating, and are comfortable with a multi-year surrender commitment.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/yr

Availability

48 jurisdictions

Featured crediting strategies

Featured rows use the selected state rate set. The full listing below labels the other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

3% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

13% participation rate

Participation

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Strategy Fee Included

24% participation rate

Participation

Strategy fee: 1%/yr

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

22% participation rate

Participation

2-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Strategy Fee Included

38% participation rate

Participation

Strategy fee: 1%/yr

2-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

13% participation rate

Participation

1-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

22% participation rate

Participation

Strategy fee: 1%/yr

1-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

17% participation rate

Participation

2-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

30% participation rate

Participation

Strategy fee: 1%/yr

2-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

1.25% declared rate

Fixed account

1-year term · 10-year surrender · Premium band not shown

+ 4 additional crediting options (Smart Passage...)

Lifetime Income Riders

Income rider

Income Horizon: Early Rider

Lifetime payout rate5.05% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up10%/yr

Income rider

Flex-Forward Income Benefit Rider

Lifetime payout rate5% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up10%/yr

Income rider

Income Horizon: Later Rider

Lifetime payout rate3.94% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up10%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu spans recognizable benchmark indexes (S&P 500, Nasdaq-100) alongside fee-free participation designs and Sunrise Adjustment and Strategy Fee Included higher-participation alternatives, so a buyer can pick the mechanic that best fits their view — a clean S&P cap for like-for-like comparison or higher participation in exchange for an explicit strategy fee or volatility-managed mechanic.
  • An annual free-withdrawal allowance plus three contract-level surrender-charge waivers (nursing home, RMD, terminal illness), so required-minimum-distribution withdrawals for qualified buyers and the events the waivers cover do not trigger a surrender charge on top of the free-withdrawal access.
  • Both single and joint annuitization options are available, and the contract accepts non-qualified and qualified funds — couples planning a joint-life payout and buyers using IRA money are both inside the product's accepted-funds and payout-options envelope.
  • Annuitization itself is the contractual path to lifetime income on this filing — buyers wanting a fixed lifetime payout can convert the contract value to a stream of payments at the configured annuitization option, even though no separate GLWB rider is attached.

What to confirm

  • Despite the 'Income Accelerator' marketing name, the live CANNEX feed for this productId shows no optional GLWB income rider and no Protected Income Value income chassis attached. Buyers expecting a rider-led guaranteed-lifetime-withdrawal income product based on the name should not assume this filing provides that — the income path on this contract is the standard annuitization option, not a separate guaranteed-withdrawal rider on the contract value.
  • Carrier financial-strength on this filing carries a B-grade A.M. Best rating rather than the A-grade tier most large FIA issuers hold, and the page shows only a single agency view. Buyers prioritizing the strongest available carrier-credit profile should weigh that against the headline rate, particularly across a multi-year surrender commitment.
  • The S&P 500 base cap rate on this filing is meaningfully below the cap on the Nassau Growth Annuity sibling chassis — buyers who want clean S&P accumulation crediting at the highest available Nassau cap should compare both filings before locking in. There is no premium bonus on this filing, no death-benefit roll-up beyond the standard contract value, and the live feed shows zero-floor minimum participation rates and a zero-floor minimum guaranteed fixed rate on the strategy guarantees, so future renewal rates can reset down to the contractual floors.
  • Filing is not available to residents of New York, Maryland, or Maine on this productId — Nassau Life offers separate NY-specific products. Surrender ladder runs nine years from a high single-digit year-one charge, so an unplanned early exit beyond the annual free-withdrawal allowance in the first several years carries a real cost.

Not ideal for

Buyers who took the 'Income Accelerator' product name at face value and expected a guaranteed-lifetime-withdrawal rider attached — that is not what this filing delivers on the live feed. Also not for buyers who require an A-grade A.M. Best rating, who want a premium bonus, who want guaranteed-minimum strategy floors above the contractual zero-floor on the fixed-rate and participation guarantees, who want a death-benefit roll-up, or who live in New York, Maryland, or Maine.

Free Comparison Report

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See how Nassau Income Accelerator compares for your age, state, premium, and income goals alongside other Nassau Life fixed indexed annuity options.

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All crediting strategies

View rate listings (56 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 48% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrender

Par: 26% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrender

Par: 24% · 1-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrender

Par: 22% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrender

Par: 13% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 13% · 1-yr

Nasdaq-100 Index

participation

10-yr surrender

Cap: 3% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 1.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 85% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrender

Par: 45% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrender

Par: 38% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrender

Par: 30% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrender

Par: 22% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 17% · 2-yr

Nasdaq-100 Index

participation

10-yr surrender

Par: 55% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · PP

Other state rate set 2984

Par: 32% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · PP

Other state rate set 2984

Par: 29% · 1-yr

S&P 500 Index

Strategy Fee Included · PP

Other state rate set 2984

Par: 25% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · PP

Other state rate set 2984

Par: 18% · 1-yr

S&P 500 Index

PP

Other state rate set 2984

Par: 16% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 2984

Cap: 3.5% · 1-yr

S&P 500 Index

PP

Other state rate set 2984

Fixed: 1.5% · 1-yr

Fixed Account

FX

Other state rate set 2984

Par: 95% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · PP

Other state rate set 2984

Par: 55% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · PP

Other state rate set 2984

Par: 41% · 2-yr

S&P 500 Index

Strategy Fee Included · PP

Other state rate set 2984

Par: 35% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · PP

Other state rate set 2984

Par: 25% · 2-yr

S&P 500 Index

PP

Other state rate set 2984

Par: 22% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 2984

Par: 48% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · PP

Other state rate set 3122

Par: 26% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · PP

Other state rate set 3122

Par: 24% · 1-yr

S&P 500 Index

Strategy Fee Included · PP

Other state rate set 3122

Par: 22% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · PP

Other state rate set 3122

Par: 13% · 1-yr

S&P 500 Index

PP

Other state rate set 3122

Par: 13% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 3122

Cap: 3% · 1-yr

S&P 500 Index

PP

Other state rate set 3122

Fixed: 2.35% · 1-yr

Fixed Account

FX

Other state rate set 3122

Par: 85% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · PP

Other state rate set 3122

Par: 45% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · PP

Other state rate set 3122

Par: 38% · 2-yr

S&P 500 Index

Strategy Fee Included · PP

Other state rate set 3122

Par: 30% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · PP

Other state rate set 3122

Par: 22% · 2-yr

S&P 500 Index

PP

Other state rate set 3122

Par: 17% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 3122

Par: 48% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · PP

Other state rate set 3189

Par: 26% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · PP

Other state rate set 3189

Par: 24% · 1-yr

S&P 500 Index

Strategy Fee Included · PP

Other state rate set 3189

Par: 22% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · PP

Other state rate set 3189

Par: 13% · 1-yr

S&P 500 Index

PP

Other state rate set 3189

Par: 13% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 3189

Cap: 3% · 1-yr

S&P 500 Index

PP

Other state rate set 3189

Fixed: 2.35% · 1-yr

Fixed Account

FX

Other state rate set 3189

Par: 85% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · PP

Other state rate set 3189

Par: 45% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · PP

Other state rate set 3189

Par: 38% · 2-yr

S&P 500 Index

Strategy Fee Included · PP

Other state rate set 3189

Par: 30% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · PP

Other state rate set 3189

Par: 22% · 2-yr

S&P 500 Index

PP

Other state rate set 3189

Par: 17% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 3189

Income riders

Income rider

Income Horizon: Later Rider

Lifetime withdrawal rate3.94%
Annual rider fee0.95%
Withdrawal-base growth10% roll-up

GLWB

Income rider

Flex-Forward Income Benefit Rider

Lifetime withdrawal rate5%
Annual rider fee0.95%
Withdrawal-base growth10% roll-up

GLWB

Income rider

Income Horizon: Early Rider

Lifetime withdrawal rate5.05%
Annual rider fee0.95%
Withdrawal-base growth10% roll-up

GLWB

Linked review

Nassau Income Accelerator review notes

Detailed review of Nassau Income Accelerator FIA, focusing on lifetime income, tax-deferred growth, and principal protection for retirees.

4.5/5Read review
Nikhil Bhauwala

Common questions about Nassau Income Accelerator

● Can I lose money in Nassau Income Accelerator?

A negative index return by itself does not reduce the contract's account value: Nassau Income Accelerator credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Income Horizon: Early Rider income rider worth the 0.95% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 10% roll-up and 5.05% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● How do Nassau Income Accelerator's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Nassau Income Accelerator strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

0.75%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

0.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Surrender schedule not available for this product

A surrender-charge schedule was not returned for this product on this request. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

brochure

A5229PO.pdf

Confidence: highReviewed Apr 6, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB++

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Nassau Income Accelerator currently shows 42 distinct indexed or fixed crediting choices across 62 current rate listings, including S&P 500 Index, with 12 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 3% annual cap
  • S&P 500 Index: 3.5% annual point-to-point cap
  • S&P 500 Index: 3% annual point-to-point cap
  • S&P 500 Index: 13% annual participation rate

Income rider language

What to look for before treating the rider as income

Income Horizon: Early Rider is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 5.05% withdrawal rate
  • 0.95% rider fee

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as A5229PO.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a Nassau Income Accelerator rate report

See how Nassau Income Accelerator compares for your age, state, premium, and income goals alongside other Nassau Life fixed indexed annuity options.

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